Brown Advisory is a financial advisory firm based in Norfolk, Virginia. It currently has approximately $6,360,535,300 of assets under management and employs about 45 people. Brown Advisory uses a fee structure of a percentage of assets under your management, fixed fees and performance-based fees.

Wilbanks, Smith & Thomas Asset Management, LLC, established in 1990, is a leading independent investment advisor in Southeastern Virginia. The firm's Investment Committee boasts over 150 years of combined experience in the industry. They offer investment services for various clients, including individuals, pension plans, corporations, and more. Their services include asset allocation, security selection, and portfolio rebalancing. The firm's primary strategy involves diversifying portfolios by asset class, geography, and market capitalization. They utilize exchange-traded funds (ETFs), mutual funds, and individual stocks and bonds to implement these strategies based on client objectives. Additionally, Wilbanks, Smith & Thomas offers advisory services through a platform focusing on risk-managed investment frameworks using quantitative modeling primarily through ETFs. The firm also acts as a general partner and investment adviser to private funds. Clients typically have a minimum account size of $1,000,000, although this requirement may be waived. Wilbanks, Smith & Thomas charges management fees based on a tiered structure and provides detailed quarterly reports to clients. The firm operates as a fiduciary, acting in the best interests of clients and disclosing any potential conflicts of interest. Clients have the option to grant discretionary investment authority, allowing the firm to make investment decisions on their behalf. Wilbanks, Smith & Thomas does not engage in performance-based fees or side-by-side management.

Harbor Group International, LLC is a financial advisory firm based in Norfolk, Virginia. It currently has approximately $2,752,252,504 of assets under management and employs about 129 people. Harbor Group International, LLC uses a fee structure of a percentage of assets under your management and carried interest.

Courage Miller Partners, LLC is a registered investment adviser established in August 2008, offering investment advisory, retirement plan consulting, and financial planning services to individuals, high net worth individuals, charitable organizations, corporations, and other entities. Clients can engage Courage Miller for discretionary or non-discretionary investment advisory services on a fee-only basis, with fees based on a percentage of assets under management. The firm's investment strategies include long-term purchases, short-term purchases, and trading of various securities. Courage Miller acts as a fiduciary for retirement accounts, providing ERISA and IRC fiduciary acknowledgment. The firm does not participate in wrap fee programs and had over $378 million in discretionary assets under management as of December 31, 2024. Clients are encouraged to review financial planning issues annually, and account reviews are conducted regularly by the Principals and Chief Compliance Officer. Courage Miller recommends Charles Schwab or Fidelity as broker-dealers/custodians and receives support services and products from them. The firm does not vote client proxies and does not solicit fees in advance exceeding $1,200 per client. Courage Miller has not been subject to disciplinary actions or bankruptcy petitions. Clients can contact Ralph Courage for any questions or conflicts of interest.

Heritage Wealth Management Group, Ltd. is a Registered Investment Adviser established in Virginia in 2004. The firm offers investment advisory services to institutional and individual clients on a discretionary basis, managing investments in equities, mutual funds, bonds, and other instruments. They provide investment consulting services related to asset allocation, portfolio diversification, and risk management. HWMG acts as a fiduciary for retirement accounts, ensuring advice is in the client's best interest. Investment strategies include long-term purchases, short-term purchases, model portfolios, and margin transactions. Clients receive financial planning services, with fees ranging from $800 to $5,000 per plan/year. The fee structure is based on a percentage of assets under management, with a tiered fee schedule. HWMG does not charge performance-based fees and generally advises individuals, trusts, estates, charitable organizations, and corporations. The firm does not have any disciplinary events and does not engage in brokerage practices that may create conflicts of interest. Clients' accounts are held with custodians, and HWMG does not vote on client securities unless authorized. The firm maintains confidentiality of client information and provides services to ERISA accounts as an investment manager. For more information, clients can contact the Chief Compliance Officer, Simeon L. Whittle.

Norton Capital Management, Inc. is a Delaware corporation specializing in fee-based asset management services. Established in June 1993, the firm was acquired by Redmond Asset Management, LLC in October 2024. NCM offers discretionary and non-discretionary asset management services to a diverse client base, assisting clients in determining investment objectives and establishing brokerage accounts, typically with Pershing Advisor Solutions, LLC. NCM manages various securities, including preferred stocks, bonds, and government bonds, based on individual client objectives and restrictions. The firm utilizes fundamental analysis for investment strategies, evaluating securities based on internal and external factors. NCM's fee structure is negotiable, based on a percentage of assets under management, with fees payable quarterly in advance. The firm does not charge performance-based fees and primarily serves individuals, institutions, trusts, and corporations. NCM does not have any disciplinary information to report and is owned by Redmond Asset Management, LLC. The firm exercises investment discretion, with full authority to buy and sell securities for client accounts. NCM votes proxies in the best interests of clients and has policies to address conflicts of interest. The firm does not take custody of client funds and safeguards client funds through a qualified custodian. NCM's privacy notice outlines how personal information is collected, shared, and protected. Clients can contact NCM to limit sharing of personal information for marketing purposes.

Resource 1, Inc. is a registered investment advisor founded in November 2005 by Michelle L. Hoesly, who serves as the President and an Investment Advisor Representative. The firm offers investment advice primarily focused on mutual funds, ETFs, individual stocks, and bonds. Clients have the option to choose between Strategic Asset Allocation and Dynamic Asset Allocation services, both utilizing discretionary trading authority. Resource 1, Inc. also provides access to third-party investment managers like Manning & Napier and Envestnet Asset Management. The firm's fee structure varies based on the service chosen, with a minimum account size requirement of $50,000. Michelle L. Hoesly and Matthew T. Hoesly, both Investment Advisor Representatives, are licensed insurance agents and registered representatives with various financial services firms. The firm does not charge performance-based fees and typically receives discretionary authority from clients to manage their investments. Clients are responsible for voting proxies on their securities, and Resource 1, Inc. does not have custody of client assets. The firm's investment strategies involve technical analysis, charting, and market evaluations. Resource 1, Inc. does not engage in principal or agency cross transactions and maintains a Code of Ethics to ensure high standards of business conduct. Michelle L. Hoesly and Matthew T. Hoesly are the primary investment advisor representatives, supported by Sara A. Galvin, who serves as the Office Manager/Licensed Assistant.

Zak Investment Management Company, LLC, established in 2007, offers investment advisory services to individuals, high net worth individuals, trusts, estates, foundations, and charitable organizations. The firm operates on a fee-only basis, with fees calculated as a percentage of assets under management. Clients must enter into an Investment Advisory Agreement detailing services, fees, and termination terms. The firm does not provide financial planning, estate planning, or accounting services. Clients have discretion over engaging recommended professionals for these services. The firm may recommend retirement rollovers but discloses potential conflicts of interest. As a fiduciary, the firm must act in clients' best interests, following specific professional standards and fee transparency guidelines. Investment strategies include long-term purchases, short-term purchases, and trading. The firm primarily allocates assets among individual equities, fixed income securities, mutual funds, and ETFs. Clients receive quarterly fee statements and account reviews. The firm does not vote client proxies and does not accept compensation for client referrals. Clients can impose restrictions on the firm's discretionary authority. The firm recommends Charles Schwab as a broker-dealer/custodian and may receive support services from them. The firm has no disciplinary history and maintains a Code of Ethics.

Lafayette Advisors, LLC, established in 2012, is a registered investment advisor located in Norfolk, Virginia. Lafayette specializes in advising a Collective Investment Trust with a series of collective investment funds managed on a fully discretionary basis by its affiliated investment advisory firm, Wilbanks, Smith & Thomas Asset Management, LLC (WST). The firm's investment strategy primarily involves investing in U.S. and foreign stocks, bonds, and cash equivalents through mutual funds, exchange-traded funds, and money market vehicles to achieve stated investment objectives. Lafayette manages client assets totaling $41,526,332 on a discretionary basis as of December 31, 2023, with no non-discretionary asset management. The firm's compensation structure includes management fees based on the assets under management, ranging from 40-85 basis points annually, paid directly to Lafayette on a monthly basis. Lafayette does not charge performance-based fees. Clients of Lafayette include a Trust comprising the Funds described in the brochure, and the firm does not manage assets for individual clients. The firm's investment strategies, such as the Credit Select Risk Managed Fund and Sector Select Risk Managed Fund, focus on reducing portfolio volatility and seeking long-term capital appreciation through sector rotation strategies. Lafayette operates as a fiduciary, providing full disclosure of any conflicts of interest, including affiliations with WST and Novus Advisors, LLC. The firm exercises investment discretion with limited trading authority based on approved investment models. Lafayette reviews the investment management services of WST quarterly and is responsible for voting client securities proxies. The firm has no disciplinary history or financial impairments.